Do I have a QLE (Qualifying Life Event)?

Outside of the annual open enrollment period, to add/remove dependents or make changes, you need to have a Qualifying Life Event. (QLE)

QLE’s include the following:

• Divorce/Legal Separation (Add/Remove Dependent)
• Birth/Adoption of a child (Add Dependent)
• Marriage (Add/Remove Dependent)
• Moving to a new State or new Rate Area where your current Plan is not available. (Re-shop)
• Loss of Coverage (Add Dependent)
• Death of a dependent (Remove Dependent)

**All Qualifying Life Events require supporting documentation**

If you believe you have a qualifying life event, please email us at [e-mail] and cc your HR specialist. Please include your supporting documentation.

The following are not Qualifying Life Events:

• Changing jobs within your current company
• Getting pregnant
• Moving within the same rate area
• Being Diagnosed with a Major Disease/Illness

Note: Voluntary termination of your COBRA does not count as a Qualifying Life Event. However, exhausting COBRA does trigger a QLE during the Special Enrollment Period because it counts as a loss of coverage.